diff --git a/src/fastapi_toolsets/crud/factory.py b/src/fastapi_toolsets/crud/factory.py
index 1c87b0a..4bca120 100644
--- a/src/fastapi_toolsets/crud/factory.py
+++ b/src/fastapi_toolsets/crud/factory.py
@@ -170,6 +170,18 @@ class AsyncCrud(Generic[ModelType]):
             return load_options
         return cls.default_load_options
 
+    @classmethod
+    async def _reload_with_options(
+        cls: type[Self], session: AsyncSession, instance: ModelType
+    ) -> ModelType:
+        """Re-query instance by PK with default_load_options applied."""
+        mapper = cls.model.__mapper__
+        pk_filters = [
+            getattr(cls.model, col.key) == getattr(instance, col.key)
+            for col in mapper.primary_key
+        ]
+        return await cls.get(session, filters=pk_filters)
+
     @classmethod
     async def _resolve_m2m(
         cls: type[Self],
@@ -705,6 +717,8 @@ class AsyncCrud(Generic[ModelType]):
 
             session.add(db_model)
         await session.refresh(db_model)
+        if cls.default_load_options:
+            db_model = await cls._reload_with_options(session, db_model)
         result = cast(ModelType, db_model)
         if schema:
             return Response(data=schema.model_validate(result))
@@ -1060,6 +1074,8 @@ class AsyncCrud(Generic[ModelType]):
                 for rel_attr, related_instances in m2m_resolved.items():
                     setattr(db_model, rel_attr, related_instances)
         await session.refresh(db_model)
+        if cls.default_load_options:
+            db_model = await cls._reload_with_options(session, db_model)
         if schema:
             return Response(data=schema.model_validate(db_model))
         return db_model
diff --git a/tests/test_crud.py b/tests/test_crud.py
index 3667a08..f44652e 100644
--- a/tests/test_crud.py
+++ b/tests/test_crud.py
@@ -380,6 +380,43 @@ class TestDefaultLoadOptionsIntegration:
         assert result.data[0].role is not None
         assert result.data[0].role.name == "admin"
 
+    @pytest.mark.anyio
+    async def test_default_load_options_applied_to_create(
+        self, db_session: AsyncSession
+    ):
+        """default_load_options loads relationships after create()."""
+        UserWithDefaultLoad = CrudFactory(
+            User, default_load_options=[selectinload(User.role)]
+        )
+        role = await RoleCrud.create(db_session, RoleCreate(name="admin"))
+        user = await UserWithDefaultLoad.create(
+            db_session,
+            UserCreate(username="alice", email="alice@test.com", role_id=role.id),
+        )
+        assert user.role is not None
+        assert user.role.name == "admin"
+
+    @pytest.mark.anyio
+    async def test_default_load_options_applied_to_update(
+        self, db_session: AsyncSession
+    ):
+        """default_load_options loads relationships after update()."""
+        UserWithDefaultLoad = CrudFactory(
+            User, default_load_options=[selectinload(User.role)]
+        )
+        role = await RoleCrud.create(db_session, RoleCreate(name="admin"))
+        user = await UserCrud.create(
+            db_session,
+            UserCreate(username="alice", email="alice@test.com"),
+        )
+        updated = await UserWithDefaultLoad.update(
+            db_session,
+            UserUpdate(role_id=role.id),
+            filters=[User.id == user.id],
+        )
+        assert updated.role is not None
+        assert updated.role.name == "admin"
+
     @pytest.mark.anyio
     async def test_load_options_overrides_default_load_options(
         self, db_session: AsyncSession